Your Credit. Our Priority.
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Our services

Credit-related support,
explained clearly.

We help you understand your concern, organise relevant information and explore possible next steps. The correct process depends on your individual circumstances, supporting documents and applicable law.

Discuss Your Situation →Read Important Information
Explore the services

Understand the options available to you

These summaries are general information, not a guarantee that a particular action is possible or appropriate for every case.

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Debt Review Status & Removal Guidance

We can help you understand your current debt-review status, the documents that may be relevant and the lawful process that applies to your situation. Debt review is not removed through a generic adverse-information removal request; the appropriate route depends on your circumstances and relevant legal requirements.

Typical first steps

  • Discuss your current status and what you are trying to resolve.
  • Identify potentially relevant documents, such as a clearance certificate or court-related documents.
  • Explain the possible process and limitations before you decide.
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Judgment-Related Credit Information

Guidance on judgment-related information appearing on a credit profile. Depending on the facts, formal legal steps or documentation may be required before information can be amended or removed.

Typical first steps

  • Identify the entry and the organisation reporting it.
  • Review documents you already have, such as proof of settlement or court papers.
  • Discuss possible routes for the relevant creditor, bureau or legal professional.
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Credit Profile Disputes

If you believe information is inaccurate, outdated or does not belong to you, we can help organise the details and explain how to raise a dispute with the relevant credit bureau or organisation.

Typical first steps

  • Pinpoint the disputed entry.
  • Gather evidence supporting your concern.
  • Prepare a clear explanation and understand how to follow up.
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Mediation Services

Mediation can support constructive communication between parties to clarify issues and explore possible resolutions. Suitability depends on the nature of the matter and the parties involved.

Typical first steps

  • Define the issue and desired outcome.
  • Clarify each party’s position.
  • Explore practical options without guaranteeing an agreement.
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Settlements

Guidance to help you understand settlement discussions, the information you may need and the importance of obtaining written confirmation of any agreement directly from the relevant creditor.

Typical first steps

  • Identify the account and current status.
  • Discuss available account information and correspondence.
  • Encourage written confirmation of any agreed terms.
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Clearance Certificates

Guidance on understanding when a clearance certificate may be relevant and which professional or organisation should be consulted. For debt review, a clearance certificate is issued through the applicable debt-counselling process when legal requirements are met.

Typical first steps

  • Clarify the status of your matter.
  • Identify the responsible professional or organisation.
  • Understand the required documents and next steps.
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Prescription Services

Guidance on questions about whether a debt may be prescribed under applicable law. Prescription rules can be fact-specific and exceptions may apply, so relevant dates, communications, payments and legal circumstances need careful review.

Typical first steps

  • Gather account history and relevant dates.
  • Review available facts and correspondence.
  • Seek appropriate legal advice where needed before acknowledging or paying a disputed debt.
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Credit Health Guidance

Practical education around healthy credit habits, such as paying accounts on time, managing balances, checking reports and correcting errors. No specific credit-score increase or credit approval is guaranteed.

Typical first steps

  • Understand your goals and current credit profile.
  • Identify habits or errors to address.
  • Build a realistic plan and check progress over time.
What to expect

A clear process, from first enquiry to next steps

We believe clients should understand what is being reviewed, who is responsible for each step, what it may cost and what the realistic outcomes are before deciding to proceed.

01

Initial conversation

Tell us what appears on your credit profile and what you want to understand. We will ask only for information relevant to an initial assessment. An enquiry does not automatically mean you have appointed us or that a service has begun.

02

Document and status review

Where appropriate, we will explain which documents may be needed, such as a credit report, account statement, paid-up letter, court order or correspondence from a credit provider. We will explain how to provide documents safely before asking you to share sensitive information.

03

Options, scope and fees

Before you make a decision, ask for the proposed service, its limits, expected steps, responsible service provider, fee structure, payment terms and cancellation or complaint process in writing. We will not describe an uncertain result as guaranteed.

04

Action and follow-up

If you choose to proceed, the agreed work should be documented. You should receive updates about actions taken, responses received, outstanding information and any further steps that may be required from you or another authorised professional.

Know your rights

Your credit information. Your right to understand it.

South African law gives consumers important rights relating to credit information. The points below are a plain-language overview, not a substitute for checking the Act and the rules that apply to your case.

Access your credit information

You can request access to information held about you by a credit bureau. Check the bureau's current process and whether a fee applies to additional requests.

Challenge inaccurate entries

Under sections 72 and 73 of the National Credit Act, consumers can challenge the accuracy of credit information and request an investigation. Supply supporting evidence and keep copies of your dispute and reference number.

Understand debt-review clearance

Section 71 addresses clearance certificates in debt-review matters. Eligibility depends on the statutory requirements and the facts of the matter. A general adverse-information dispute does not itself remove a debt-review indicator.

Ask for clear information

Ask for service descriptions, written terms, fee disclosures and explanations in language you understand. Do not sign or pay based on pressure or promises you cannot verify.

Official sources to read: National Credit Act 34 of 2005 (South African Government) ↗ NCR consumer guide to the NCA ↗ NCR FAQ: adverse information and paid-up judgments ↗ NCR February 2026 clearance-certificate guideline ↗
Frequently asked questions

Answers before you get started

Every matter is different. These answers explain general principles and should not be read as a decision about your individual case.

Can you guarantee that my debt-review status will be removed?

No responsible service provider should promise an outcome before checking the facts and legal requirements. The appropriate route depends on your status, payment history, any debt-rearrangement order and other relevant documents. The NCR warns consumers about misleading debt-review removal promises.

Does paying off a debt automatically remove every credit listing?

Not necessarily. A paid-up letter can help establish settlement, but the next step depends on the type of information and applicable law. Judgment records, adverse payment information and debt-review indicators follow different processes. Check the result with the relevant credit bureau and seek appropriate advice if an entry remains.

What does the National Credit Act say about credit-record improvement/removal services?

Section 126A(3) specifically addresses services intended to improve a consumer's credit record, credit history or rating, or remove information from a credit bureau. It requires the prescribed disclosure statement and prohibits receiving payment until the relevant service has been fully performed. The service provider's actual contracts, billing and delivery process must follow the law; a website statement alone is not enough.

Can incorrect information be disputed?

Yes. Consumers can challenge the accuracy of information held by a credit bureau and request an investigation under the National Credit Act. Identify the specific entry, explain why you believe it is wrong, attach relevant evidence through the bureau's accepted channel and keep a record of the submission.

What documents might I need?

Depending on the matter, relevant documents may include a recent credit report, account statements, proof of payment, paid-up letters, court orders, debt-review documents, identity verification requested through an appropriate channel, and correspondence with creditors or bureaus. Do not send your ID number, banking credentials or full credit report through an open enquiry form or public channel.

Will my credit score increase or will a lender approve me?

We cannot guarantee a particular score increase or credit approval. Lenders apply their own affordability, risk and eligibility checks. Correcting an inaccurate entry or resolving a credit-record issue does not guarantee that a lender will grant credit.

Are you a law firm, debt counsellor or credit bureau?

This website does not represent NCE as a law firm, NCR-registered debt counsellor or credit bureau. If your matter requires legal representation, a statutory debt-counselling function or another regulated service, ask us to identify the responsible provider and confirm their relevant registration or professional details before you engage.

How are fees handled?

Request a written quote and disclosure before agreeing to a service. For services within section 126A(3), the Act prohibits receiving payment before the service has been fully performed and requires a prescribed disclosure statement. Ask for the exact scope, milestones, total fees, payment terms and complaint route in writing.

Credit Act & NCR information

Credit support should be clear and lawful.

National Credit Act 34 of 2005: section 126A(3) covers certain services intended to improve a consumer's credit record, history or rating, or remove information from a credit bureau. It requires the prescribed disclosure statement and prohibits receiving payment until the covered service has been fully performed.

National Credit Regulator (NCR): the NCR warns consumers to be careful of blanket promises to remove debt review. The correct route depends on the person's circumstances, documents and any applicable court or debt-rearrangement order. A paid-up letter, a credit-record dispute and a debt-review clearance certificate are different processes.

Credit disputes: sections 72 and 73 of the National Credit Act address consumer rights relating to credit information and challenges to inaccurate entries. A dispute should identify the specific information and include supporting evidence. Accurate information cannot simply be removed because it is unfavourable.

Credit Rescue and Credit Boost support should begin with an individual review and realistic explanation of the available options. No removal, score increase, debt-review exit or credit approval can be guaranteed.

Visit the NCR website ↗Read the National Credit Act ↗

Not sure which service fits?

Tell us what you want to understand, and ask for an initial discussion.

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